Transcription of General conditions cardholder agreement model BS06/21CGT
1 General conditions cardholder agreement model BS06/21 CGT. General terms and conditions of the cardholder agreement 1. Payment services framework contract 2. Distinction between the card contract holder and the cardholder 3. Use of the cards 4. Expiry, renewal and issuance of new cards 5. Fees and expenses 6. Card limits 7. cardholder 's Obligations 8. Applicant's Obligations 9. Payment methods for credit cards 10. Payment default 11. Responsibilities of the cardholder and/or Applicant 12. Applicable interest and early repayment on credit cards 13. Service Cancellation and card blocking 14. Correspondence 15. Responsibility of the Bank 16. Additional benefits, coverage or advantages 17. Right of withdrawal 18. Early repayment 19. Branch network 20. Retention of communications and operations 21.
2 Modifications of contractual conditions 22. Risk Information Centre (CIR per its initials in Spanish). 23. Basic information on personal data protection 24. Applicable law and jurisdiction 25. Customer service, claims and conflict resolution procedure 26. Regime for Legal persons other than micro-enterprises. 27. Exclusion for Legal persons and micro-enterprises (whether natural or legal persons). 28. Promoting business finance Specific conditions depending on card type 1. Corporate credit cards 2. Deferred corporate credit cards 3. Credit cards allowing debit operations 4. Special Visa Gold Cards 5. Shopping Cards 6. SIN cards or TRES cards 7. SKI Cards 8. Pre-payment card 9. VIA T device 10. Repsol+ Visa Card General terms and conditions of the cardholder agreement Issuing credit institution The provider of this payment service is Banco de Sabadell, , with Tax Identification Number A- 08000143 (hereinafter, the Bank) subject to the supervision of the Bank of Spain.
3 The Bank of Spain's headquarters are located in Madrid, at c/Alcal , 48, 28014 Madrid. Its website is The Bank, whose registered offices are at Av. scar Espl , 37, 03007 Alicante, is registered in the Mercantile Register of Alicante, page A-156980, and in the Special Administrative Register of the Bank of Spain under number 0081. Email address: Credit and debit card service agreements incorporate the following General terms and conditions laid down by the Bank. 1. Payment services framework contract. These General Terms and conditions form part of and apply to the respective credit or debit card agreements you enter into with the Bank. In addition, depending on the card type, specific conditions are established to regulate the particularities of each card, which apply in preference to the General conditions .
4 The cardholder agreement , which contains the specific terms and conditions ( cardholder data;. interest; fees) together with these General Terms and conditions , which are incorporated herein, constitute the Framework agreement for the purposes of Royal Decree-Law 19/2018 of 23. November on payment services and other urgent measures in financial matters (hereinafter referred to indistinctly as RDl 19/2018 or Royal Decree-Law 19/2018), the provider of which is the Bank. Legal persons. For Legal persons, except for those which are micro-enterprises, the provisions agreed in General condition number 26 of these General conditions "Regime for persons who are not consumers or micro-enterprises" shall apply, as a specific regime for the application of the rights and obligations set forth in Royal Decree-Law 19/2018 has been agreed, different to that applied to consumers or micro-enterprises as determined in the aforementioned General condition.
5 According to RDl 19/2018 it is understood that: "micro-enterprise" means both natural persons engaged in a trade or business and Legal persons which, on the date the payment service contract is underwritten, employ fewer than ten people and whose annual turnover or annual balance sheet total does not exceed EUR 2 million. Consumer is understood to be natural persons acting for purposes which are outside their economic activity, business or profession For Legal persons and micro-enterprises, whether natural or legal persons, the provisions of Condition 27 of this document shall apply. Unique identifier for payment operations. A unique identifier must be used for the correct execution of card operations and the execution of a payment order with the card: In the case of debit or credit cards, the unique identifier is the card number or PAN consisting of sixteen (16) digits.
6 As for the associated bank payment account, depending on the type of code that the payment operation requires, this will be: the Current Account Code ("CAC") consisting of twenty (20) digits the "IBAN" (International Bank Account Number) consisting of twenty-four (24) digits and the "BIC" (Bank International Code) for the Bank, consisting of eight (8) to eleven (11). digits. 2. Distinction between card contract holder and cardholder . Who is the Applicant or card contract holder? This is the holder of a bank account or person authorised by him/her who signs the card agreement and designates this account for the payment of card settlements. These terms and conditions may refer to the cardholder , the Applicant, the Contracting Party or the Customer. Who is the cardholder ?
7 Cards are personal and non-transferable and are always issued in the name of a natural person, the cardholder , who is the person in possession of the card and carries out operations with it. In General , this person is the same as the Contract Holder or Applicant, but you may also apply for a card to be issued in the name of another person as the cardholder . The cardholder (hereinafter referred to as the cardholder ) shall be held liable jointly and severally with the Applicant for the correct use of the Card in accordance with these conditions . 3. Use of the cards. Purchase of goods and services. The cards may be used for: Purchasing goods and services in establishments affiliated with the payment systems of the respective card (Visa, MasterCard, etc.). Obtaining cash at branches and ATMs of the institutions affiliated with these systems.
8 Making, in the case of a credit card, any type of withdrawal from the card credit account or transfer to other credit card contracts. Operating in self-service terminals, motorway toll booths and other similar terminals or devices permitted by the Bank, as well as in electronic banking services, by telephone or any other channel or medium that the systems or the Bank allow at any given time, subject to the limits established therein. Card operations may be carried out with the Bank'' prior authorisation, where applicable, up to the limit in force at any given time and subject to payment of the fees of which the cardholder has been informed in advance by means of the framework contract or when carrying out a operation. These operations shall be recorded in the designated payment account in the contract and in the manner provided for therein.
9 The Applicant may change the payment account with the prior agreement of the Bank. The cardholder may order operations in establishments, known as "Pre-authorisations", which constitute a down payment prior to the provision of a service or delivery of a good, which may involve the temporary freeze of the amount of the operation on the credit card, or the account in the case of debit operations. Personal Identification Number (PIN). The Bank provides you with a secret number (PIN) related to the card, which must be known and used exclusively by the cardholder . This PIN number shall be given to the cardholder in person at one of the Bank's network branches, or in the manner established by the Bank at any given time. The PIN can be changed at ATMs where this option is available or through the channels authorised by the Bank at any given time.
10 The cardholder shall not choose a number related to his/her personal data or any other combination that could be easily predictable by third parties (numbers that are part of their date of birth, telephone number, identity card number, series of consecutive numbers, repetitions of the same digit, etc.). The secret number provided by the Bank or modified by the cardholder must not be written on the card, or on any document or object kept or carried with the card or accessible to third parties. This PIN must not be entered in a visible manner in the presence of third parties, nor must it be conveyed to them, even if the card is being retained in an ATM or the ATM does not appear to respond after the card is inserted. The cardholder should also refrain from using the card at any ATM or devices that may appear to have been tampered with or altered (in poor condition or compromised, or with objects or devices attached to them).
